Certainly, there are a lot of upsides to calling one of the big companies, and there’s really nothing wrong with this approach. People who buy their policies from major providers like Geico and Nationwide do so for a number of reasons.

If you’re an individual with bad credit looking to insure a three wheeler or if you’re a hobbyist looking to insure a custom-built vehicle, the larger insurers simply cannot afford to set up a whole office of experts devoted solely to your area of auto insurance.

Pricing

In many industries, larger companies can offer more competitive rates because they have access to greater resources and a wider customer base.

Insurance is a business where the small guy has a shot at staying competitive with his pricing.

In fact, if you’re only looking for minimal coverage, then chances are you’re going to wind up getting the very best quotes from smaller insurers who stay competitive in order to give themselves an advantage over the big names.

These cheap policies may not always be robust, but small companies have less overhead, fewer employees and can usually afford to charge less for small policies.

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Personal Attention

If you call Geico 12 times, you’ll probably talk to 12 different people.

With a small insurer, you may wind up on a first-name basis with the person you hand your monthly check to. This personal service is at the root of the small insurance company.

A small insurer cannot offer the same policies as the larger insurers, they don’t have national advertising and they can’t cover everything from motorcycles and four wheelers to RVs and boats, but they can offer something that a big insurer can’t, and that’s personalized attention.

Big or Small: Finding the Company That’s Right for You

If none of the points listed above have helped you choose, keep both large and small companies in the running when you go looking for car insurance.

The fact of the matter is that large companies have a lot of advantages over small companies and small companies have a lot of advantages over large companies. Both offer their own appeal to a different type of driver.

It should become clearer which side of the fence you fall on as you compare prices and options.

At the very least, by searching through both large and small insurance companies for the very best policies and prices, you’re guaranteed to find the provider who best suits your needs.

The Bottom Line

For readers who only want a simple answer, here it is: Yes, small car insurance companies are a great option.

But they’re not perfect for everybody.

Somebody who is insuring a fleet of commercial vehicles is probably better off looking for an insurance provider who can easily cover such a large order while somebody insuring a specialty vehicle is better off looking to the personalized attention offered by a small insurance provider.

There’s no reason to put either side out of the running, as they both offer their own unique advantages and disadvantages.

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